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Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

This offer is not available for residents of Quebec.

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Network Provider
Balance Transfer
No Fee
Annual fee
Purchase interest rate
Cash advance rate
Balance transfer rate
1.95% 19.95% after 6 months
Credit Needed
Good (650-749)

Card description

  • 1.95% Balance Transfer promo for 6 months (with a 1% fee) † This is a New Client Transfer Promotion of 1.95% for 6 months with a 1% fee.
    • Clients will be eligible for this Balance Transfer promotion for 30 days after being approved for a Tangerine Credit Card
  • 2.5% Foreign Conversion Fee
  • No annual fee

Special Offer:

  • Earn an extra 10% back* for a limited time with a Tangerine Money-Back Credit Card.
  • Apply for a Tangerine Money-Back Credit Card by October 31, 2023 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*

Always-On Offer:

  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.

Minimum personal income requirment: $12,000 

About This Card

Unlike most rewards cards, with the Tangerine Money-Back Credit Card, cardholders enjoy an uncommon amount of control over where and how they collect rewards points.

By default, users get 2% back on purchases that fall under the categories of groceries, furniture, restaurants, hotels, gas, drug stores, home improvement, entertainment, public transportation and parking. However, these categories can be changed to better suit the cardholder's individual spending habits. Even purchases that fall outside the selected categories yield rewards points, but at a lower rate (0.5%).

Another unique feature about Tangerine's cashback program is the fact that you can have your extra cash deposited directly into a Tangerine savings account. When you choose this option, you qualify for a third 2% Money-Back category. And Tangerine pays you your cash-back monthly, not annually (typical among the vast majority of credit card providers).   

When you apply for a Tangerine Money-Back Credit Card by October 31, 2023 you'll earn an extra 10% back (up to $100) when you make up to $1,000 in everyday purchases within your first two months. 

New customers can also transfer balances from another card and pay only 1.95% in interest for the first six months (there is a one-time fee: 1% of the transferred amount). This balance transfer offer is valid for the first 30 days after being approved for the card. The regular interest rate for balance transfers after six months is 19.95%. The interest on overdue balances and cash advances is 19.95%. 

Cash fees for cash advances are $3.50 within Canada and $5 if you make an advance outside the country. Dishonoured payment, over-limit, and rush card fees are each $25.

Why get the Tangerine Money-Back credit card?

The more the merrier - Additional cards are free, so you can enlist others to help you collect points.

Protect your purchases - ​Items you buy with the card will be well-protected. Users receive a lifetime maximum of up to $60,000 for purchase assurance and extended warranties. Tangerine’s assurance policy will cover loss, theft or damage on items for 90 days after the purchase date. The extended warranty program doubles an item’s warranty period.

Use Apple Pay - Purchase items using your iPhone or Apple Watch.

A sterling security guarantee - ​Tangerine uses DoubleSafe, an extra-secure login process. Tangerine also offers users free IBM Security Trustee Rapport software, which provides online identity theft and online transaction protection.

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General Terms:

Applicants must apply for the Card and must consent to a credit check. Accounts must be in Good Standing in order to receive Money-Back Rewards. See the Tangerine Money-Back Rewards Program Terms & Conditions for full details.

Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers.

Annual Interest Rates: The annual interest rate on Purchases and Cash Advances (including Balance Transfers) is 19.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 24.95% will apply to your Account on Purchases and Cash Advances (including Balance Transfers).

Other Fees and Rates: These fees are charged on the day the transaction occurs (unless otherwise indicated): Cash Advance: $3.50 within Canada, $5 outside of Canada; Balance Transfer: 3% or minimum of $5 (unless reduced or waived) of the amount transferred when it is posted to your Account. Dishonoured Payment: $25; Rush Card: $25; Over-Limit: $25 (maximum one Over-Limit charge per monthly statement period); Past Statement Reprint: $5 per past statement. There is no charge for a reprint of your current monthly statement. Foreign Currency Conversion: When the converted transaction amount gets posted to your Account, we'll add a foreign currency conversion fee of 2.50% to the converted transaction amount.

See your Information Box in the application for full details. Rates and fees are subject to change.

*Rewards Promotional Offer:

The Tangerine 10% Limited Time Promotional Offer (the "Offer") is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine Money-Back Credit Card (the "Account") by October 31, 2023, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine Money-Back Credit Card is activated. "Net Purchases" include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees, insurance premiums, adjustments or other charges. The Offer Bonus of 10% (up to $100) will be credited to the Primary Cardholder's Account within 1-2 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.

†Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee)
A Promotional Interest Rate of 1.95% will apply immediately to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the "Promotional Rate Period"). If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate (currently 19.95%) will apply to that balance. A 1% Balance Transfer Fee will be charged on each Balance Transfer amount and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Québec at the time you accept this offer. To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Note that if your Balance Transfer amount(s) equal your available credit, then the Balance Transfer Fee will put your Account over your credit limit and may be rejected in whole or in part. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Interest applies from the transaction date that appears on your statement for that Balance Transfer to the date you repay the Balance Transfer in full. It may take a few business days to complete the Balance Transfer request. You should continue to make payments to the other financial institution until the Balance Transfer appears on your statement. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. Interest does not accrue on the Balance Transfer Fee, however it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you don't make your Minimum Payment by the payment due date as shown on 2 consecutive statements, your interest rate will increase to your higher standard rate that applies to the Account (currently 24.95%). If you pay more than your Minimum Payment on your statement, we'll apply the excess amount of the payment to your balance proportionately based on the interest rate(s) applicable to each group of charges billed on your Account. Please see the Credit Card Cardholder Agreement for more information on how we apply payments to your Account.
We don't charge interest on new Purchases that appear on your statement for the first time if we receive full payment of the Balance on your statement (including payment of any Balance Transfers included in that Balance), by the Payment Due Date on your statement. Balance Transfers may not be used to transfer money to or from another Tangerine Account. See the Information Box at for full details.

Cash Advances (including Balance Transfers) do not earn Tangerine Money-Back Rewards. See the terms and conditions of the Tangerine Money-Back Rewards Program at for full details on other items that do not earn Tangerine Money-Back Rewards.

Any of these offers may be changed or cancelled at any time without notice. Rates and fees are subject to change.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence.

Forward Banking is a registered trademark of Tangerine Bank.


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